Honda Clarity Car Insurance Cost 2025

On average, insuring a Honda Clarity costs $1,258 per year. However, actual costs may vary depending on factors such as your age, location, driving history, and the car’s model year. To get a better idea of your specific insurance costs, refer to the quote tables provided below.

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Updated: 28 January 2025
Written by Bob Phillips
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If you’re thinking about buying a Honda Clarity, one essential aspect to consider is the insurance cost. On average, insurance for a Honda Clarity costs $1,258 per year. Insurance plays a vital role in car ownership, so it’s crucial to understand its implications before making a purchase.

Choosing the right car insurance is crucial to avoid unexpected and potentially high expenses in the future. It’s essential to ensure you have sufficient coverage in case of an accident to avoid hefty out-of-pocket costs. Additionally, being found at fault in accidents can lead to increases in insurance premiums.

With my extensive experience analyzing car insurance rates over the past decade, I’ve observed how much these costs can vary. Factors such as age, driving history, and location play significant roles in determining insurance premiums.

How Much Does A Honda Clarity Car Insurance Cost?

Typically, Honda Clarity drivers can secure car insurance at an average cost of $1,258 per year. However, individual rates may vary depending on personal factors such as driving history, location, and the specific coverage selected.

The cost of car insurance can vary significantly based on several factors, including your location, driving history, the model year of your car, and the specific coverage options you choose. Maintaining a clean driving record can lead to lower premiums, while a history of accidents or traffic violations may increase your costs. Additionally, living in an urban area with heavy traffic may result in higher insurance rates compared to residing in a rural area with less congestion. The type of coverage you select also impacts your premium—comprehensive insurance, which includes collision and comprehensive coverage, typically costs more than minimum liability coverage.

As illustrated in the table below, the insurance cost for a Honda Clarity is higher than the average for all Honda models and more expensive than the average cost for all cars. To help you find the most competitive rates, Insuranceopedia offers tools to compare quotes from various auto insurance companies.

Vehicle Average Monthly Premium
Honda Clarity $199
All Honda $167
All Cars $175

Average Insurance Cost Of Honda Clarity By Model Year

Model Year Average Premium
2022 Honda Clarity $3,941
2021 Honda Clarity $1,682
2020 Honda Clarity $554
2019 Honda Clarity $1,235
2018 Honda Clarity $940
2017 Honda Clarity $1,344

2022 Honda Clarity Insurance Rates

The average annual insurance cost for a 2022 Honda Clarity XL is $3,941. However, Unitrin offers the cheapest rates, averaging $1,258 per year.

Insurance Provider Average Annual Cost
Unitrin $1,258
Nationwide $5,334
Farmers $4,484
State Farm $4,635
Travelers $4,928
National Farmers Union P $4,196
USAA $3,977
Erie $5,913
Metropolitan $1,344
Allstate $3,340

2021 Honda Clarity Insurance Rates

The average annual insurance cost for a 2021 Honda Clarity XL is $1,682. However, National General offers the cheapest rates, averaging $511 per year.

Insurance Provider Average Annual Cost
USAA $2,428
Republic Indemnity $2,229
Texas Farm Bureau Group $1,026
National General $511
Southern Farm Bureau $1,939
Plymouth Rock $2,404
California Capital $2,227
Mercury $2,330
Direct Auto $525
American National P $1,198

2020 Honda Clarity Insurance Rates

The average annual insurance cost for a 2020 Honda Clarity XL is $554. However, Pure Companies Grp offers the cheapest rates, averaging $434 per year.

Insurance Provider Average Annual Cost
Safety Group $561
Norfolk and Dedham Group $562
Vermont Mutual $622
Preferred Mutual $446
National General $386
Quincy Mutual $630
Pure Companies Grp $434
ACE American Pool $500
National Grange Mutual $748
Hanover $654

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2019 Honda Clarity Insurance Rates

The average annual insurance cost for a 2019 Honda Clarity XL is $1,235. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $689 per year.

Insurance Provider Average Annual Cost
Penn National $1,262
Atlantic States Insurance $1,725
Country $1,378
Hastings Mutual Insurance Co $689
Texas Farm Bureau Group $985
Tennessee Farmers $1,204
Safeco $842
Buckeye Insurance Group $1,353
Erie $1,239
Grange Mutual $1,673

2018 Honda Clarity Insurance Rates

The average annual insurance cost for a 2018 Honda Clarity XL is $1,235. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $940 per year.

Insurance Provider Average Annual Cost
New York Central Mutual Fire $758
Texas Farm Bureau Group $1,222
Direct Auto $880
North Carolina Farm Bureau $1,402
Clearcover $1,154
Pure Companies Grp $378
Utica National Ins Group $1,305
Capital Insurance Group $1,342
Safeco $578
National General $376

2017 Honda Clarity Insurance Rates

The average annual insurance cost for a 2017 Honda Clarity XL is $1,344. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $940 per year.

Insurance Provider Average Annual Cost
Unitrin $1,448
Direct Auto $879
USAA $1,764
Penn National $823
Mercury $1,297
Country $1,417
Virginia Farm Bureau $1,517
California Capital $1,702
Donegal Mutual Insurance Co $1,272
Auto-Owners Insurance Co $1,323

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Is A Honda Clarity Expensive To Insure?

The cost of insuring a Honda Clarity is higher than the average for all cars. However, the exact amount you’ll pay depends on several factors, including your age, the age of your vehicle, your location, and other personal details. These variables influence how insurance companies assess your risk and calculate your premium.

Cost of Honda Clarity Car Insurance By Age

Age is a key factor in determining car insurance rates for any vehicle. Teen drivers generally face the highest premiums due to their higher likelihood of being involved in accidents. As drivers age and gain experience, their premiums typically decrease, reflecting a lower risk profile. This trend continues until about middle age, after which rates may stabilize or slightly increase for older drivers.

Driver Age Good Driver Recent Accident Poor Credit
17 $9,574 $14,141 $16,456
18 $8,912 $13,130 $15,389
19 $7,953 $11,569 $13,596
20 $6,894 $10,091 $11,843
21 $5,746 $8,488 $9,944
22 $5,682 $8,278 $9,662
23 $4,926 $7,190 $8,432
24 $4,686 $6,890 $8,053
25 $4,017 $5,893 $6,926
30 $3,170 $4,670 $5,412
35 $2,976 $4,347 $5,100
40 $2,821 $4,190 $4,901
45 $2,739 $4,063 $4,753
55 $2,509 $3,720 $4,324
65 $2,664 $3,852 $4,555
$3,363 $3,363 $4,862 $5,738

Honda Clarity Car Insurance Rates By State

Your location significantly impacts how insurance companies determine rates. Each state has its own auto insurance regulations, which influence the required coverage and premium costs. For instance, Michigan drivers often face higher premiums due to state laws mandating more extensive coverage. Additionally, local climates can affect rates—states prone to extreme weather like hurricanes, storms, or flooding may see higher insurance costs. Crime and accident statistics in your area, such as rates of car thefts, crashes, and vehicle fatalities, also play a crucial role in determining your Honda Clarity insurance premium. Insurers factor in all these elements to calculate your specific rate.

State Good Driver Recent Accident Poor Credit
Alabama $3,025 $4,324 $5,507
Alaska $2,447 $3,430 $3,334
Arizona $2,850 $4,100 $5,989
Arkansas $3,051 $4,805 $5,353
California $3,464 $6,099 $3,425
Colorado $3,154 $4,437 $5,678
Connecticut $4,097 $6,313 $8,031
Delaware $3,343 $4,521 $5,785
Florida $3,996 $5,613 $7,238
Georgia $3,311 $4,920 $4,922
Hawaii $1,309 $1,781 $1,333
Idaho $2,287 $3,038 $3,645
Illinois $2,362 $3,623 $4,136
Indiana $2,469 $3,769 $4,203
Iowa $1,906 $2,666 $3,160
Kansas $2,595 $3,771 $4,372
Kentucky $3,693 $5,474 $6,499
Louisiana $4,829 $7,235 $7,906
Maine $1,822 $2,469 $3,682
Maryland $2,938 $4,243 $4,724
Massachusetts $2,354 $4,068 $2,309
Michigan $5,639 $8,696 $13,670
Minnesota $2,290 $3,158 $4,383
Mississippi $2,781 $3,985 $4,025
Missouri $2,654 $3,847 $4,975
Montana $2,743 $3,783 $4,355
Nebraska $2,310 $3,420 $3,702
Nevada $3,755 $5,616 $5,887
New Hampshire $2,610 $4,129 $5,276
New Jersey $2,847 $4,489 $5,963
New Mexico $2,937 $4,356 $4,532
New York $2,712 $3,399 $5,765
North Carolina $1,724 $2,912 $2,113
North Dakota $2,268 $3,570 $4,144
Ohio $2,101 $3,179 $3,278
Oklahoma $3,320 $4,739 $5,284
Oregon $2,972 $4,024 $4,846
Pennsylvania $2,575 $3,666 $4,378
Rhode Island $4,250 $6,199 $6,937
South Carolina $2,911 $3,949 $5,448
South Dakota $2,618 $3,688 $4,307
Tennessee $3,008 $4,426 $5,930
Texas $3,080 $4,409 $5,433
Utah $2,579 $3,639 $4,995
Vermont $2,045 $3,116 $3,272
Virginia $1,893 $2,890 $2,807
Washington $2,504 $3,406 $4,002
West Virginia $2,517 $3,605 $4,519
Wisconsin $2,467 $3,940 $4,477
Wyoming $2,285 $3,213 $3,493

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Cheapest Car Insurance Companies For A Honda Clarity

If you’re in the market for a new car insurance policy for your Honda Clarity, it’s helpful to know which companies offer the most affordable options. For drivers focused solely on cost, Freedom provides an average premium of $29 per month, making them the cheapest option for a Honda Clarity. However, keep in mind that insurance rates can vary significantly depending on factors like your driving history, location, and coverage needs. To ensure you’re getting the best deal tailored to your profile, it’s essential to shop around and compare quotes from multiple providers.

Company Average Monthly Rate
Sun Coast $37
MetroMile $38
Aspire $31
Hugo $42
Freedom $29

Common Honda Clarity Insurance Discounts

Discounts are an effective way to reduce your car insurance costs. Most auto insurance providers offer various discounts, and you may be eligible for some of the common ones:

  • Multi-policy discount: Bundling your home and auto insurance with the same provider can often result in a reduced premium.
  • Annual payment discount: Paying your premium in full rather than in monthly installments can save you money.
  • Defensive driving discount: Completing a certified defensive driving course can make you eligible for lower rates.

Additionally, there may be other discounts specific to your insurance provider. To maximize your savings, consult your insurance agent, who can help identify the discounts you qualify for.

Ways To Save On Honda Clarity Insurance Costs

Maintaining a clean driving record is key to keeping Honda Clarity insurance costs low, as incidents like speeding tickets or accidents can significantly raise premiums. For instance, Honda Clarity drivers with a ticket on their record may pay about $79 per month, while those with multiple accidents might pay an average of $69 per month.

Low annual mileage can also help reduce insurance costs since drivers on the road less frequently are considered lower risk. Honda Clarity owners driving between 2,501 and 5,000 miles annually can expect to pay around $95 per month for car insurance, whereas those who drive over 10,000 miles annually may pay approximately $98 per month.

Our Methodology

To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. It’s important to note that these figures may differ from your personal results due to individual factors.

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Research Hours

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FAQs

Do You Need Insurance Before You Can Purchase A Honda Clarity?

Yes, you will need to show proof of insurance before you can drive your Honda Clarity off the dealership lot. The best approach is to purchase a policy beforehand and inform your insurance company that you plan to buy the car. This way, you’ll have coverage in place as soon as you take possession of the vehicle, instead of relying on the dealership’s insurance.

How Can You Get The Cheapest Insurance For Your Honda Clarity?

The best way to find the most affordable rates for your Honda Clarity is to shop around and compare quotes from different auto insurance companies. Fortunately, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers directly on our website, helping you find the best deal for your needs.

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